Average car insurance cost in Pawtucket, RI

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average car insurance cost in Pawtucket, Rhode Island is $2,452 per year, according to Insure.com data analysis. Also, the car insurance rates in Pawtucket is $391 more than the average rates in Rhode Island and $557 more than the national average.

Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.

This article provides details on the most and least expensive car insurance companies in Pawtucket, the average car insurance rates categorized by age and gender, and the cost of car insurance in Pawtucket based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Pawtucket. Read on to learn more.

Cheap car insurance companies in Pawtucket

State Farm offers the cheapest car insurance in Pawtucket, at an average of $1,517 per year with full coverage limits of 100/300/100.

The second cheapest company in Pawtucket is American Family, offering car insurance rates at $2,203 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Pawtucket before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Pawtucket, Rhode Island:

Read about the best car insurance companies.

Average car insurance cost in Pawtucket by coverage limits

In Pawtucket, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $790 per year (limits are 25/50/25)
• Liability only coverage: $1,000 per year (limits are 50/100/50)
• Full coverage: $2,452 per year (limits are 100/300/100)
• Non-owners coverage: $583 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Pawtucket

Based on an analysis by Insure.com, female drivers in Pawtucket, Rhode Island pay an average annual car insurance premium of $2,440. In comparison, male drivers pay $2,465 annually, which is $25 more than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Pawtucket

In Pawtucket, car insurance rates are the highest for teens, at $8,252 per year or $688 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $3,756 per year for their car insurance which is $4,496 less than what the teens pay for their insurance policy.

The car insurance rates in Pawtucket for adult and senior drivers are $2,437 and $2,555 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Pawtucket

If we look at the car insurance rates trends in Pawtucket, Rhode Island, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 14%, or $302.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Pawtucket, are higher than the average insurance cost in Rhode Island. Shopping around and taking advantage of available discounts, drivers in Pawtucket can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

 . .

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.